Spouse's Guide to Social Security Survivor Benefits
ฝัง
- เผยแพร่เมื่อ 22 ก.ย. 2019
- The Social Security surviving spouse benefit seems easy enough to understand. But hidden in the details are small nuances that can cost you - or your loved ones - thousands of dollars in missed benefits. But If you invest the time to make sure you know the rules, you can be confident that you understand the benefits available to a surviving spouse.
Here are some shortcuts to specific areas of the video:
3:25 What spouses are eligible for survivors benefits? Current vs.former spouses. Remarriage rules. Exceptions to the length of marriage rules.
7:50 How to calculate survivors benefits
12:20 How the Widow's Limit (RIB-LIM) works
15:30 How to use filing strategies to boost benefits
📙Resources In This Video 📑
➡️SSA Handbook section of the effect of remarriage
www.ssa.gov/OP_Home/handbook/...
➡️POMS Manual on remarriage
secure.ssa.gov/apps10/poms.ns...
➡️SSA Handbook listing the exceptions to the 9 month length of marriage requirement
www.ssa.gov/OP_Home/handbook/...
➡️The SSA's definition of "Member of Uniformed Service"
secure.ssa.gov/poms.nsf/lnx/0...
➡️POMS Manual section on child in care benefits
secure.ssa.gov/apps10/poms.ns...
➡️SSA Handbook section that discusses the 2 year adoption window.
www.ssa.gov/OP_Home/handbook/...
➡️SSA chart showing reductions on a monthly basis
www.ssa.gov/planners/survivor...
➡️SSA page on determining full retirement age for purposes of a survivor benefit
www.ssa.gov/planners/survivor...
➡️SSA Research paper on how the Widow's Limit (RIB-LIM) caps a benefit
www.ssa.gov/policy/docs/ssb/v...
➡️ SSA POMS section discussing the Widow's Limit
secure.ssa.gov/apps10/poms.ns...
➡️ SSA page on the "prescribed period" when disability benefits must begin for early SS
secure.ssa.gov/poms.nsf/lnx/0...
➡️Documents you'll need to file for survivor benefits
www.ssa.gov/forms/ssa-10.html
➡️My article on "Can SS be garnished?"
socialsecurityintelligence.co...
➡️ Get a disability benefits evaluation
devincarroll.com/disabilityhelp
🔥🔥 Get the Ultimate Social Security Cheat Sheet! It takes the essential information from the 100,000 page Social Security website and condenses it down to just one page! 🔥🔥
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➡️ Want to hire Devin and his team? -- www.carrolladvisory.com
Don’t miss my free online workshop, “How to Choose the RIGHT Age to File for Social Security.” In this workshop you’ll learn:
✔The Most Important Factors to Consider BEFORE You File for Benefits
✔How to Coordinate Your Social Security Filing Decision with Your Other Assets & Income for a Tax Efficient Distribution Strategy
✔Why This Is The Biggest Decision of Your Retirement
Access the workshop today at this link
www.devincarroll.com/SSessent...
➡️ Get a copy of my best-selling book, Social Security Basics, here -- amzn.to/2twsABZ
➡️ Social Security Questions? Join my FREE Facebook Group! / 428684237572614
📜 HEAR YE HEAR YE: Some of my videos contain links to third party products, apps, and services. If you click through, I may receive a small referral fee to my media company (Carroll Media Properties) through their referral program. Rest assured, I only recommend products or services that I believe will be helpful and informative to my audience.
⭐⚠️⭐Please read this⭐⚠️⭐
⚠️I am not an attorney, SSDI advocate, or affiliated with the Social Security Administration or any other entity of the US Federal Government. I am a practicing financial planner, but I’m not YOUR financial planner and since I don’t really know you, I can’t give you advice. So please don’t take this video as specific advice for your specific situation. Consult your own tax, legal and financial advisors. 🙇🙇🙇🙇🙇
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Devin, I have watched so many you tube videos and I got to tell you no body comes close to the information you give in just this video alone! I want to thank you so very much.
Devin, thanks for always giving us helpful information to navigate Social Security and get our best benefits. I just got off the phone, after waiting 2 hours on hold I might add, to make an appointment to apply for widow's benefits on my husband's earnings. The representative tried to convince me that I will have to choose between my earnings or my husband's because I am 66. I told her 3 times- no, I'm not applying for spousal benefits or my own. I want widow's benefits, Form SSA-10. She finally put me on hold and went and asked somebody. She said I am right. After age 66, it doesn't matter how much I earn. I can file for widow's benefits. And then at age 70, I will file for my own. It pays to educate yourself by listening to people like you!
As always, great information, and thank you!
Thank you. The added links in the description are great.
Such a great video! You answered my questions and I really appreciate the links.
Thank you for you CLEAR information.
As a writer of non-fiction informational articles ( or videos ), it’s important to remember the three Cs of good writing: Have CLARITY, CONCISENESS, and CORRECT INFORMATION. Again, thank you for your work.
Thank you for making this video. You made it very clear and easy to understand.
Thank you for this vital information. Really appreciated.
Question: Do they make a Survivor Benefits Calculator were I key in specific data relative to me that includes entering my Delayed Retirement?
Your the best on all info
Thank you sooooooo much for this information.
Devin
My wife has never worked outside of the home. My question is if she files before her FRB for spousal benefits off my work record will her survivor benefits be for ever reduced?
More useful info, thanks.
Devon, in you linked article you mentioned bank account protection. I have a friend over 65 living entirely on her SSDI payment. She had been previously advised to transfer some of this income into other (same bank) accounts she and her husband had at the time of his death. So she does this in small amounts monthly. Are these other accounts protected too since all the deposit into the main account appears to be protected? Or does this practice need to stop? Thanks.
I plan on on retirement in October at 62 n a widower disabled since 98 u a big help
Devin, What is this ‘restriction’ to leave out my benefit when filing for survivors benefits? I went to my local SS office this last Friday to file but, was told that dept. was short handed so I will be called Feb. 3rd to complete the filing. How do I make sure I don’t lose my own benefits should I file after 70 if I would get a higher amount?
Excellent video. Background--I am the older spouse. Married more than 10 years. Neither of us has reached FRA or filed for benefits. Spouse will receive substantially more than me at FRA. Spouse recently passed away. Possible strategy-I file for MY benefit when I turn 65 (and am eligible for Medicare) and then switch to survivor benefit when I reach my FRA. Question-Is this the best strategy? And how does FRA for survivor benefits differ from FRA? And-is there anything else I should consider? Thank You!
How do I find out what my deceased ex spouse full monthly benefit was/is?
what if I have been disabled since 2002 and I was married eighteen yrs? he remarried. Will I be able to draw if he is deceased
I have scribbled. I love the way you explain thing😅
Appreciate the information . I do however have a question that I haven't heard you cover . If I'm a military widow and already receive a Survivors benefit from the military ,
am I still allowed to receive my late spouses survivors benefit from Social Seçurity?
Yes
Great video but one thing I'm still confused about, if I pass away before age 62 would my spouse collect my social security benefit that I would have received when she reaches age 62? Or is the surviving spouse simply out of luck if the person they're married to dies before reaching age 62?
Great video!! Question..my wife was on disability when she passed in 2018. I am 61 and still working. Plan to retire at 62 at which time I will apply for her survivor benefits. I will draw her survivor's benefit until I reach 70. Will I get 71.5 % of her SS before she started receiving disability or 71.5% of her disability amount which is considerably higher?
I'm understanding the reduced benefit set at 82.5% of FRA when your late spouse began benefits at 62 - and the surviving spouse claim is at it's maximum at roughly 62.5, depending on birth year, when your reduction is 17.5%.
I'm understanding the 100% of FRA when those benefits began at or after FRA. This is when the surviving spouse claims at their FRA.
What about the missing middle?
My late spouse claimed about 9 months prior to FRA. Roughly 6% reduction. Am I right in presuming that when my reduction is that 6%, my survivor's benefit is at it's max? Somewhere between 62.5 ish and FRA, matching the actual reduction that the late spouse received?
Thank you for vlog! I am 66.5 years old. I was a full time wife most of my life. My husband is 18 years older and have been receiving social security benefits since he was 65. He is not in good health. Infact, his doctor told us he only has 3 years to live. That was 1 year ago when we were told. We have been married for 30 years. Can I collect social security benefits based on his? And knock on wood, he passes away , can I switch to survivor benefits which I heard would be 100% of what he is receiving now? Thanks!
I wanted to know if I can more defense surveys now I have.a can walk
hank you for your knowledge my name is Marie Galloway i am 70 yrs. air force
I'm disabled since 2012 and I am 59 my husband died but we have been married for almost 29 years. Am I still eligible to collect his benefits and will it affect my disability?
Can any Layer open a class action against the Social Security and Government unlawful action against the Survivors benefit rights! ?
Enjoyed the video and learned a lot. But I have a question about the calculations shown mid-way through (for calculating the monthly reduction %). In step 3, do you divide the number of months (from step 2) by 28.5% or do you divide 28.5% by the number of months? The later method would come up with % reduction per month which is what I think you want.
I am retired & live in Mexico,my wife is a Mexican citizen, can she receive my benefits after I pass away ?
Are u intitled to survivors benefit if ur dead spouse was on SSDI? Not retirement but was over 62 when ssdi was inacted by deceased spouce.
How can I find out of I file on my own social security benefits might be more than my survivors benefit.
Could explain the offset benefits.
What if I take my social security at 62 and my husband (much larger than mine). didn’t file and passed away, can I switch from my SS to survivor benefits?
Hello my spouse pass it been since 11 years so can i claim late spouse benefits
My husband passed away at age 56and we were married for 35 years. How can I get the full benafits. As of now IVE been getting only a( %)percentage off of my husband
My husband was supporting his stepdaughter (my daughter) for the past few years and paying for her child support the last 7 years alongside of our the deceased biological 3 year old son. Do you think 🤔 my daughter can still get benefits. I'm applying for her as well.
If I collect a defined benefit from State of AK Teachers retirement am I allowed to draw on my ex spouse of 27 yrs? I have been told, because my Alaska retirement benefit exceeds the portion I would be eligible for off of him, I CAN NOT draw any SS from him. He paid into SS all of his career, I only paid into SS a minimal amount of time. Please help clarify!
My girlfriend just found out her estranged husband died in 2016. He had not contacted her all those years.
His Mother died afterwards & she owned property.
My girlfriend may be entitle to money from the estate.
My girlfriend is 65 & receives SSI.
Any help you can give me ( because I am better with paperwork & bureaucracy than she is ) would be appreciated.
Question : I am 66. I receive survivor benefits. What happens to my money if I get remarried?
Does WEP affect a spouse's survivor benefits? and if yes by how much? thank you.
This is an older video but…here is one on survivor benefits. I was married for ten years so it’s not me. I am watching a few people who are 2nd marriages. Like long term, maybe even 20 years. They know the 1st is dying. They file for divorce on #2 so they can qualify for SS based on #1 survivor benefit rate. I don’t ask if f their plan worked so will ask you. Does it work? Oh and 2 told me they plan to remarry #2 after they go thru the process.
I've only been on disability 1yr and 8 months My husband died 10 16 2016 Not married myself We were married when he died Married 11 yrs
What about social security disability benefits
Hi sir david..im surviving spouse..my husband died at age 75..im sure he draw already his SSA..he is SSA pensioner..did you think im eligable to get his pension as a surviving spouse as early age..we have no child.. thank you
I love your videos, very informative and professional
I m 72 yrs old
married for a second time
the second marriage happened only one year ago
the previous marriage lasted over 20 years
the present spouse IS NOT AN AMERICAN CITIZEN and she is 60 years old
can the second spouse qualify for survivor's benefits??
your advice is very much appreciated
gus pagoulato
I have the same question.Peease answer.
I'd like to hear more about a spouse that receives SSD then passes away. What happens for the surviving spouse. Is it better to wait to take spousal benefits when the surviving spouse turns 67?
Thank you so much
can I receive widows benefits / husband received SSA / SSI from age 36
Thank You. I enjoyed your video. I have a question. I've been widowed since 1990. My full retirement age, 66 2/mos will be Jan. 2021. I plan on signing up for my spouse's SS., but I've called the SS Office 3 times as was given 3 different amts as to what I will receive. Why doesn't anyone know the right answer? It's been very frustrating and confusing for me. Do I have to go down there and wait in a line for hours to speak to someone that knows what they are talking about? Please help me with this. Ready to pull my hair out.
The SS office closed. Must call someone working from home and make appt. Workers from home have no monitors and say what they know. This may not be correct answer. Get it in writing.
Is there anyone who can help me figure out at what age for me to file? Thank you.
I would like to know suviving spouse benefit
My husband passed away last month, he was 65 born in 1958, on SSDI. I'm on SS and 65 born in 1958. Every time I look something up I get mixed answers, and all kinds of percentages. I do have an app. with SS.
Question: Can someone get survivor benefits and still work a full time job?
If I file at 62, when I switch to surviving, when I get less, since I filed at 62?
My ex remarried after 20 years of marriage. I was collecting SSI and was contacted by Social Security & they said I had no choice but to start collecting for his retirement. This confuses me because he's still working. I'm 66 and disabled...Can anyone make sense of this?
Devin, the typical case is that the wife takes her own benefit at age 62 and her husband takes his at FRA. Her own benefit is more than a spousal benefit. Now years later they are both past FRA and If he then passes away first, my understanding is she will receive his full benefit as long as it is greater than her own benefit. Is this correct?
That’s my question also
Taking survivor benefit at 62.5 or when it reaches 80.5 of late hubby's ss, then switch to mine at 70 to allow it to grow at 130%.
What is the difference between survivor benefirs❤ an widows benefit?
I would like information on a child benefit for a deceased young man
I read on ytube that a living spouse can receive SSA(¿¿) Spousal benefits..a percentage, even while their spouse is still living
.even if , per say, I am on SSI..Is this fact¿¿ If so, how does one go about applying for this¿¿
Yea
Good Info!
What about the 2 year rule after divorce?
I'm a 63 year old woman and I'm drawing survivor benefits. I recently heard that I could sign up for Medicare now instead of waiting until I'm 65. I wanted to find out if that is true.
Only if you have been drawing disability for two yrs
Do these rules still apply in 2022
If your parent receiving survivor is deceased, Can her child receive this SSB?
If my spouse begins receiving social security 4 months before his FRA, will my survivor’s benefit be permanently reduced to 82.5% of his FRA?
Do they take your check away
My husband died at age 64 four months before retirement he was receiving SSDI I’m receiving widow check cause I’m disabled am I entitled to his full retirement
He was disable 7yrs before he died
I am 78 years old and receiving full social security benefits.
I am married to a Filipina who is leaving in the Philippines with me. Will she be qualified to receive social benefits when I died? She doesn’t have social security number and never been in United States. Please acknowledge and thank you!
I have been disabled since childhood, and have been living on social security survivor from my parents since they died. Can I buy stocks without losing my social security and/or medicare?
Yes
I'm 70 retired at age 62. My wife is 62 and still working..My wife has recently served me divorce papers. How would that affect getting the survivors benefit should one of us die.
X Hubby passed I now get his SS .question is he was married to another person also. So is she also getting his SS?? Is the S S. Being Split between me n her. If she drops over Dead Will I get More $$$??
I will be 63 this year and can draw my ss I was married 20 years to first husband I am remarried for 27 years I was born in 61. I applied for disability they said I have not worked in the last 5 years so I couldn't get SSD I was disabled in 1995 can I get surviver benefits from first husband or draw his SS at 63?
I am 70 years old and my ex spouse is 71. When he dies how much will I receive from surviors benefits.
I'm a surviving spouse, so I'm wanting to know. My first 2 kids with my ex spouse marriage lasted 5 years would I be able to collect on his SSI if my late spouses wages was less than ex spouses. Or not at all?
No you have to be married for 10 years your kids might be able to receive something but it sounds like that is even more complicated.
Im 62 on disability my husband just passed can i draw disability and survival benefits
How much can a surviving spouse, age 37, with an 8 yr. Old child, earn before SSA is reduced or eliminated
Thank you very much for this info. I became a widow at 58, my husband was 68 when he died. He collected SS at 62 and I put it all in the bank because he collected a pension. I work full time for health benefits so I put off collecting my widows benefits until I reach my FRA which is 66 1/2 so I can still work full time up to the SS limit. When I do collect my SS I will collect on the survivors benefits only because my husband was getting way more than I would on SS. His 80% because of early collecting is still more than mine would be at 100%. Please tell me if I am correct or not, and feel free to correct me. Thank you. :)
Devin doesn't answer questions on youtube comments. Helping people with these questions is how he makes his living.
Just like the IRS tax code.... and just like the small business PPP and EIDL grant/loan rules....is there ANY govt program that is not INCREDIBLY ( and maybe "needlessly" ) complex?...... can't this be simplified to only a handfull of rules?. I am a first-generation American and all my European relatives have all manner of "programs" they are involved with.....and they would fall over in a dead faint if they saw this.....
I have some questions.
I was married for 27 years my wife was 18 years older than me. When she passed away she was on disability. She was 69 when she passed. I was 51 years old when she passed. I was diagnosed with ALS 2 years ago. I'm on disability now. So can I get my wife's benefits now? I'm 55 now.
Scott Chastain If you are disabled before age 60 you can get your wife's SSDI now. Talk to Social security about your survivors benefits. If hers was a higher amount than what your getting now then they will give you hers. As long as you haven't remarried.
If both of us are already on SSA past retirement age, then one of us dies, does the surviving spouse get any additional benefit from the deceased spouse benefit?
You only get one benefit, so if the deceased spouses benefit is more you will apply for that and your will go away
Im 62 on disability for 7 years my husband just passed at 75 can I draw my disability and survivor benefits
You must ensure you request a RESTRICTION to leave out either your survivor or your record benefit before adjudication of the benefit. If not , all eligible benefits related to your SS number will be included and you will forgo your ability to file for a survivor and then later file for your own . Extremely important!
Can I choose what benefits I want to receive.SSDI or my vetrerans. Oh boy this is getting my husband was disabled from the military and he died on count of the military.
@@marytolley5270 the Restricted Application is a strategy that I am referring to is for SS Spousal Survivor Benefits. May I recommend a Facebook member forum called Social Security Intelligence . You can join and forward your question to the members.
If I am disabled from COPD and I was in a car and I am totally disabled. He was a veteran and passed away from agent orange small cell lung cancer. So I need to get in touch with a lawer?? OR the VA . I get so much of his benefits from the military and I also get my benefits from SSDI. Please let me know who to contact. I know there's alot of people in the same way.Pepole need to know this.
I talked to the social security office on the phone and said I wanted to retire at the age of 62 all the sudden I'm like claiming survivors benefits versus divorce benefits and she said that I may just as much so now I am going to get $760 of mine and 100 of his spousal benefit and I don't understand he was made a lot more money I was a server all my life and he has been working at a high-end job for at least 20 years did I do something wrong or I don't understand please help me
PS I was married for 17 yrs and never remarried thank you
What if my ex spouse is already receiving a disability? Am I still can eligible to get his or her benefits?
Hi Rosalind do you find answers for this question
If I'm on disability and my ex is still working, when can I get his social security? I'm 62 and he's 60 1/2 years old. Can I get his social security now or do I wait?
From what I have seen he has to be 62
What they don't tell you is if you are the spouse and married over 25 years you don't get spouses higher social security if your county, state or federal pension is substantial.
A married couple are both receiving social security retirement benefits and one of them dies. Is the survivor entitled to receive any of the benefits the deceased spouse received?
If social security did not exist, they could have put the money away for themselves, but the government took it from them. If they had not been forced to give it to social security, the couple would have it available to them, and if one dies, the survivor would have it all.
Can one collect both disability and survivor benefit?
I collected both my SSDI was figured on my own earnings. After I was awarded my SSDI , the gave me a per cent age of my deceased ex spouse benefits. When I turned 65 last November. At that time, I had to relinquish MY SSDI but switch to full spousal benefits which was about 500.00 more
What if you inherit money
When my husband died he was on disability getting 2200 a month
As told me first I would get this
Then they told me that since I took my ss at 66 and 3 mths they looked at what my ss would be at 66and since that would be more than me getting his I was denied his.
Can a child going to school get the survivor benefit (75%) and the spouse of the deceased also get the child in care if the child is 14 because she is under the age of 60?
Yes
Hi Sir im getting my husband benefit but I did not file my retirement yet im 71 now can I have more option fr my social security benefit do I have to file fr my own or more I’m still widow up to now 🙏
Some people quilfy to take SS for a dead spouse or ex spouse while allowing to let theirs grow to 66 or 70 to get more if yours is more now you many be eligible to take out of yours as long as you never took out of your own.
My husband died at age 42 - he had been on disability for about 7 yrs prior to his death.
He was previously married for 10yrs and had 3 children with her, they are all adults now.
We were married 9 yrs and 10 months and he adopted my son, who is also an adult now.
How do I know if I can claim the survivor social security benefits and when would it be best? I am currently 50yrs old.
Plz help! Thank you!
Did you watch the video? Look at the charts that Devin showed, it shows the age you can file. The only way you can receive survivors benefits now is if you're disabled, if not you have to wait until you're 60.
You weren't married to him for 10 years. I doubt you can get survivors benefits
I am 62 my spouse died 20 years ago. A minor child got benefits until not a minor. Did that use up survivor benefits? Would I be eligible for survivor benefits until I reach my full retirement filing age?
Yes
Can you collect spouse benefits if you spouse dies after 7 years of marriage and hadn't reached retired age? surviving spouse was 42yrs . deceased spouse was 38yrs. when should or can surviving spouse file? Am 53 now as the surviving spouse, and not remarried.
The earliest you can file is age 60, unless you are disabled...then it is 50.
What if he was on SSDI when he passed